Card Details

Regular APR:	26.99% (Variable)
Intro APR (Purchases):	11.90% for select purchases eligible for the 48 month reduced rate credit plan
Intro APR (Balance transfers):	None
Rewards Rate:	Points are worth $0.02 each, so 1 point gets 2% back in rewards Get 2.5 points per $1 spent (5% back in rewards) on qualifying Best Buy? purchases when you choose Standard Credit. Elite Plus members get an additional .5 points per $1 spent (a total of 6% back in rewards) on qualifying Best Buy purchases using Standard Credit Get 1.5 points per $1 spent (3% back in rewards) on net purchases made at gas stations Get 1 point per $1 spent (2% back in rewards) on net purchases made at restaurants and bars Get 1 point per $2 spent (1% back in rewards) on net purchases outside Best Buy After 12/31/2019, you no longer get 1.5 points per $1 spent (3% back in rewards) on net purchases made at grocery stores and furniture stores (home, office, commercial and outdoor)
Credit Needed:	(670 – 850) Good/Excellent
Annual Fee:	None (Platinum) $59 (Gold)
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Shopping at Best Buy: 5% back in rewards and 6% back in rewards for Elite Plus Cardmembers
Shopping where Visa is accepted: After 12/31/2019, you no longer get 3% back in rewards on grocery and furniture purchases, you get 3% back in rewards on gas purchases, 2% back in rewards on dining purchases, and 1% back in rewards on everyday purchases
Your Card is part of the My Best Buy program, giving you even more rewards to save on the technology you want at Best Buy

Is My Best Buy Visa worth it?

My Best Buy Visa Credit Card is a solid card for people who shop at Best Buy a lot. Cardholders earn 5% back on Best Buy purchases in rewards that can be redeemed for other Best Buy purchases. Reward certificates have no cash value and may be redeemed only for purchases greater or equal than the purchase amount. In other words you can’t pay for any item entirely with certificates unless it’s the exact amount.

People who don’t shop at Best Buy regularly would get better rewards from a normal cash back or travel rewards card.

Pros

Get 2.5 points per $1 spent (5% back in rewards) on qualifying Best Buy purchases

Cons

Points come in the form of best Buy reward certificates and can only be used toward purchases at Best Buy
high APR
Financed purchases don?t earn rewards
Points expire if card or reward certificate is not used in 24 months
Mobile wallet transactions may not get loyalty benefits, so try to use the physical card when possible

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

5 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	Either $15 or 5% of the amount of each transfer, whichever is greater
Cash Advance Fee	Either $10 or 5% of the amount of each cash advance, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Get Started with My Best Buy Visa

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

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